Natural hazards · Osage Beach

Osage Beach, MO natural hazards

Most of the natural-hazard damage FEMA expects in Osage Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2008. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Osage Beach?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Osage Beach to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes9%Heat waves6%Cold waves5%Everything else13%

By hazard

What Osage Beach faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

67% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 75% of U.S. places

Heat waves

6% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 13 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Osage Beach flood?

Every paid claim on a federal flood insurance policy in Osage Beach, from FEMA’s records.

5paid claims since 2008

$123Kpaid to owners

1homes flooded more than once

20082026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Osage Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Camden County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Osage Beach

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Osage Beach itself: aid to households, or repair grants to the City of Osage Beach.

Brought FEMA money into Osage BeachDeclared for Camden County only

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

6 households applied for aid $200 aid approved

2013

Severe Storms, Straight-Line Winds and Flooding

$243K to the City of Osage Beach for repairs

2011

Severe Winter Storm and Snowstorm

$15K to the City of Osage Beach for repairs

2007

Severe Winter Storms and Flooding

$28K to the City of Osage Beach for repairs

2006

Severe Winter Storms

$11K to the City of Osage Beach for repairs

2003

Severe Storms, Tornadoes, and Flooding

11 households applied for aid

Camden County has had 22 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Osage Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Osage Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Osage Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Osage Beach total about $4.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.